Overview

The death of the insured needs to be informed to the
insurance company either directly or through the insurance agent who sold the
policy to the insured. Contact details are usually given on the insurer's
official website. The insurance companies have death claim forms that need to
be filled up and submitted to them along with a list of documents.

If the insurer is satisfied with a claim, it pays the
settlement; if there is doubt, the insurer may ask the claimant to submit more
documents.